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Common Questions Asked About SSDI & SSI
Before applying for SSD, many applicants wonder if they will be able to survive on the disability benefit amount. If you sustained a severe, permanent injury, you may no longer be able to return to the work. This can make decisions harder and riskier.
In such cases, there are forms of financial assistance available, a form of disability compensation. But what kind of disability benefit amount can you get? How do you qualify for disability benefits in 2019? What is SSI, and should you use an SSI disability calculator to figure out what you can receive?
Financial Assistance When You Can’t Work
Disability benefits in 2019 disperse a specific disability benefit amount to people in two ways. Disability compensation can come through social security disability insurance (SSDI) or SSI. To find out which, you may benefit from using an SSI disability calculator.
In both cases, an application determines the amount. Disability compensation is paid out if a medically verifiable disability can be proven, documented, and submitted. The amount, however, varies a lot on the individual circumstance of the applicant.
Social Security Disability Benefit Amount
Previous employed applicants may receive SSDI. This form of disability compensation looks at past work history and length of employment. For example, by combined the overall “contribution” the worker made through years of past employment.
To qualify for a SSDI or SSI, there are the usual requirements like citizenship, residence, and medical evaluation. However, you should receive the disability benefit amount because you are no longer capable of working.
Supplemental Security Income
SSI works differently, which is why the SSI disability calculator is much more specific and involved. You don’t have to have been gainfully employed to start using an SSI disability calculator.
The reason that the SSI disability calculator procedure for working out your compensation differs is because of the recipients. You don’t have to have been previously employed and injured to receive SSI disability compensation. The SSI disability calculator works based on need. This means the calculator can apply to the elderly, children, and those who can no longer work.
Qualification & Cost: Disability Benefit Amount For SSDI
The process for calculating disability compensation depends on many different factors. For example, applying for SSI instead of SSDI already means you’ll be using a different SSI disability calculator entirely. If you choose SSDI, then the disability benefit amount is calculated based on one very important metric. That is social security taxes.
In other words, the Social Security Administration uses a very complex, weighted formula. This figures your amount based in part on how much in social security taxes you’ve already paid. This is very different from the SSI disability calculator methods used.
Numerous factors play into determining your disability benefit amount. Your Average Indexed Monthly Earnings (AIME) is one component of the calculation. Another factor is the date of your application for disability compensation, and the date of “onset” for your disability.
However the disability benefit amount for SSDI starts a minimum of $926 and tops out $2861 for disability compensation. Your final amount for SSDI will always be unique to your situation, dependent on numerous qualifying factors.
Qualifications & Cost: Disability Benefit Amount For SSI
The SSI disability calculator operates under a different set of rules for determining the disability benefit amount. Because the SSI disability factor doesn’t have previous employment as a mandatory qualification, the SSI disability factor requires many more variables to arrive at both qualification and amount.
The SSI disability calculator methods look at looks at other qualifiers like savings and financial need. So when applying for disability compensation under SSI, you need a couple of things. First you need to list all your resources. For instance savings, other assets like additional properties, or even vehicles you own.
Under the SSI disability calculator, you are allowed one home and one vehicle as being counted exempt from your resources. If your total is less than $2000, you qualify for an amount of up to $771 if you live alone. However, it goes up to $1557 if you live with someone else that also qualifies for SSDI compensation.
Applying for SSDI or SSI is not automatic approval that you will get the disability benefit amount you want. There’s no guarantee that you will get disability compensation at all. In fact it’s not uncommon for applications for disability compensation to be denied.
There are numerous reasons that SSD or SSI compensation might be denied. You may get no compensation at all if you have incorrectly filed your application. However, the amount may be lower than what you’d been expecting. For instance this may be because it decided you fell under a different rating. In some cases, you may get no disability compensation at all. This happens if the judgment is the injury or disability doesn’t fall within the medical requirements laid out.
Fortunately, this is not the end of the story. Even if you are denied disability compensation, you can still change the outcome. With a proper understanding of the procedure, requirements, and regulations, a lawyer can contest a lower disability benefit amount. This means an appeal to overturn a denial, or, just for safety, look over your initial application to ensure everything goes smoothly.
What is the Average Amount for SSDI?
On average, however, the disability benefit amount for SSDI—not when using the SSI disability calculator—starts a minimum of $926 and tops out $2861 for disability compensation. Your final disability benefit amount for SSDI will always be unique to your situation, dependent on numerous qualifying factors.
What is the Average Amount for SSI?
Under the SSI disability calculator, you are allowed one home and one vehicle as being counted exempt from your resources. If your total resources are less than $2000, the SSI disability calculator determines that you qualify for a disability benefit amount of up to $771 if you live alone, or $1557 if you live with someone else that also qualifies for disability compensation.
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Prior to forming Dyer, Garofalo, Mann & Schultz, Doug worked as a bodily injury claims adjuster for a large insurance company. This unique experience has been a tremendous asset to Doug in his fight to achieve maximum cash settlements for his clients in minimum time. Since departing from the insurance company, Doug has dedicated his entire legal career to helping injured clients when they need it the most.